• The Journal of Asian Finance, Economics and Business
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• v.7 no.9
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• pp.19-30
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• 2020

This paper investigates, in a single equation framework, the effect of bank-specific and macroeconomic determinants on micro-, small- and medium-sized loans by commercial banks in Indonesia. This study uses a sample of 790 observations from 79 commercial banks in Indonesia over the years 2006-2015. This study uses two estimation methods for our panel regressions: static and dynamic generalized method of moments (GMM) panel estimator. In static relationships, the literature usually uses the least square methods on fixed effects (FE) or random effects (RE). I found evidence that all banks, bank profitability and size are positively and significantly related to micro-, small- and medium-sized loans, while the coefficients of liquidity are significantly positive in all specifications, except government banks which is significantly negative. The relationship between risk and credit growth is negative for non-government banks. All estimated equations show that the effect of the capital variable on lending banks to MSMEs is not important in government banks and non-government banks. Finally, macroeconomic variables, such as inflation and gross domestic product, clearly affect the lending of the banking sector particularly non-state banks. The findings have several policy implications to Indonesia government, regulatory authority and bank managers in order to improve bank profitability through bank lending.

• Proceedings of the Safety Management and Science Conference
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• 2003.11a
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• pp.1-13
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• 2003

Domestic industry calamity rate did decrease in large numbers by many efforts of the safety and the health organizations. Nevertheless domestic industrial accident level is low yet among the OECD countries. Domestic small and medium enterprises is in trend that industrial accident is increased by deterioration of hardware, unpreparedness of safety equipments. But, Domestic small and medium enterprises' safety and health education had not been utilized so far effectively. This research groped efficient operation model of the safety and the health education through the survey about a solution for problems of education that is enforced in small and medium enterprises to three groups of workers and safety and health administrators and managers. Compared domestic safety and health educational system and advanced foreign educational system. And, analyze problems about domestic small and medium enterprise's safety and health education and presented a solution. Finally, presented efficient operation model of the safety and the health education suitable to domestic medium and small enterprises.

• Journal of the Korean Society of Safety
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• v.14 no.2
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• pp.140-147
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• 1999

Currently, the consumer pattern is directed to small quantity and high variety these days. World market is led by technological innovations and changes rapidly. To survive in this environment, the raising of small and medium enterprises is highly desirable. In the context of nationwide restructuring, competitive medium and small industries which are in good financial status should lead the nation's economy. But general ignorance of the safety issues could lead to a miss management of this industry in this field. In this study, actual condition and improvement of safety management are as follows; We have to 1) find out the factors which endangers this industry, and set a proper guideline for safety management. 2) encourage safety management of these industries by themselves, and advertise and provide technical support for using PC and internet. 3) set a higher standard of safety issue when accrediting a prospective medium and small industry, and have a firm control of this issue once accredited. 4) supply more governmental financial aids to terms of safety issues for medium and small industries.

• Journal of the Korea Safety Management & Science
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• v.17 no.1
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• pp.257-264
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• 2015

"Act on Facilitation of Purchase of Small and Medium Enterprise - Manufactured Products and Support for Development of Their Markets" was created and implemented. The act states that the materials designated by the Small and Medium Business Administration are directly purchased from the small and medium enterprises and provided to the construction companies so that the materials can be provided as GFGI (Government Furnished and Government Installed) in the case of a public construction project. This thesis is aimed to analyze the current status on the problems of each project party and understand their improvement requests so that mutually beneficial plans can be sought and improved process is presented for the continuous development of the direct construction material purchase system as well as successful construction projects. And This thesis summarized the purpose of the institutions and their change histories, and related law as well as codes for the better understanding of administrative procedures for the purchase system and the analyses as well as the improved process on the difficulties in complying with the current institutions.

• Proceedings of the Korean Institute of Building Construction Conference
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• 2009.11a
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• pp.225-229
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• 2009

International construction market has been open to other countries, and it derives the development of our overseas construction industry quantitatively as well as qualitatively. Until now, the major companies have an absolute majority in the overseas construction market, and the small and medium enterprises have had difficulty to get a leadership in the international construction market because of the lack of the technical expertise and the capital strength. Especially in the Middle East Asia, our construction companies has touched off a boom, so our market share also has grown, which derived from the up toward ratchet oil prices and a worldwide boom in real estate development. The small and medium enterprise minority have recognition that the overseas construction market is the major company's native territory. But Data from the existing researches and many statistics indicate the most companies tend to underestimate the capacity and international competitiveness of the small and medium enterprises. As a matter of fact, hundreds of small and medium enterprise cut a conspicuous figure in overseas market. Consequently, it is indispensable to overcome the international financial crisis by revitalizing our overseas construction industry which obtains excellent results in international market. this study suggested the ways to expand overseas bonding capacity of Korean financial institution. This study proposed the Korean government to allow Construction Guarantee (former Korea Construction Financial Cooperative) to deal with foreign exchange so that Construction Guarantee will underwrite the overseas construction bond.

• The Journal of Society for e-Business Studies
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• v.16 no.3
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• pp.129-143
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• 2011

In modern industrial society, the importance of inter enterprise collaboration is more emphasizing for the survival of companies and strengthening its competitiveness. The studies using IT systems effect on inter-enterprise collaboration are already taken several times. However, there is not much systematic research to evaluate the informatization level of B2B collaboration. In this paper, we examined the level of B2B collaboration and the use of IT systems for each business area in small and medium-sized collaborative enterprise which are classified into shipbuilding, automobile, and electronic industry. We verified that the level of collaboration between companies are significant to the level of IT use for each business area by regression analysis. The conclusion of this study is that the level of B2B collaboration and the use of IT systems for each business area are different.

• Journal of the Korea Safety Management & Science
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• v.14 no.4
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• pp.71-77
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• 2012

It is very important the collaboration and risk management of supply chain between the parent company and its partners in the supply chain risk management(SCRM). It was known that the SCRM approach is very different between a large enterprise and a small and medium-sized enterprise. This paper deals with the suggestion about SCRM structure for a small and medium-sized enterprise. This SCRM structure consist of risk identification, risk assessment, and risk mitigation. We expect that this SCRM structure promote the collaboration between a parent company and its partners to alleviate the supply chain risk.

• Asia-Pacific Journal of Business Venturing and Entrepreneurship
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• v.12 no.6
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• pp.41-47
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• 2017

This study is an empirical analysis of the welfare of small and medium venture company trade. In the past, although the study analyzes the trade welfare for representative firm, this research is focusing on the distribution of an entire industry of companies analyzed. In this study, medium-to venture enterprise-scale for logarithmic normal distribution and Pareto distribution is estimated, and this study investigates the trading welfare changes. Results of the analysis can be summarized as follows. First of all, greater trade benefits enterprise-scale heterogeneity appeared to be significant. The result of this finding appeared to be the same to large firms as well as small and medium ventures. Trading welfare, assuming the distribution of Pareto rather than logarithmic normal distribution it's supposed to be overwhelmingly large. Secondly, the case of large corporations shows the more trade welfare than that of small and medium venture companies. Third, assuming homogeneous distribution of enterprise-scale trade welfare differences did not exist. Finally, from the point of view of increasing the welfare of trade, the diversity aiming of venture business is a very important role in the long term, because of the small and medium-sized ventures trade role.

• The Journal of Society for e-Business Studies
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• v.2 no.1
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• pp.1-20
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• 1997

This study aims to suggest CALS implementation strategies and policies for information-based management of small and medium companies in Korea. At the turning point from traditional document-based management to recent digital-based one, it is well known that implementation of CALS concept is crucial for advancing business management of small and medium enterprises In order to attack the aim, this paper critically analyzes the empirical difficulties and obstacles of the current information-based management of small and medium companies in Korea. On the basis of the above analysis, this paper suggests the strategic plans and policies of CALS implementation for small and medium enterprises in Korea as follows. First, government should provide the supporting policies and proper system so that the large enterprise can be linked with small and medium companies for sharing necessary information. Second, similar enterprises should be integrated on the basis of information and automation evaluation. Third, implementation strategies and plans should be advanced on the basis of the informationalized phases with respect to the technology level of small and medium enterprises. For more efficient CALS implementation, this paper also proposes the following subsidiary policies. First, it is substantially important to publicize the nation-wide spreading of CALS mind. Second, it is strongly recommended to educate and train CALS specialist on a consistant basis. Third, government should support the enterprises by providing sufficient fund for CALS implementation. Fourth, the ideal CALS implementation models for small and medium enterprises should be developed. Fifth, the consulting and training program for CALS implementation should be established through ECRC (Electronic Commerce Resource Center). My study was based upon the enterprises' responses to the questionaires I made

• Journal of the Korea Safety Management & Science
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• v.12 no.3
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• pp.189-195
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• 2010

ERP system has been spreaded from large companies to many small and medium sized companies, and it is recognized as a basic system for optimum and efficient work process. The focus is moving from manufacturing companies to various specialized companies. Once ERP system was introduced to those specialized companies, there was attempt to customize an ordinary system which used in manufacturing companies, but it was hard to take effect due to the lack of experience and an inadequate analysis of work process. Some of foreign ERP packages are possible to be constructed for some companies. However, they are originally aim at a large enterprise and it is also very difficult to construct and maintain. For this reason, small and midium sized companies are having a difficulty to construct ERP system. This study deals with the construction of ERP system for small and medium sized design engineering company and introduction of the crucial points throughout the construction and requirements for composition module and customization of each main module. Based on the findings of this study, the specialized non-manufacturing companies are expected to have efficient and practical application of ERP system when they select and customize the ERP package of manufacturing companies.